Liability Insurance
Liability insurance protects business owners against 3rd party claims for property damage or bodily injury.
Excess can look at primary, excess/umbrella, and construction wrap-up risks. Excess can consider most classes, however exclusions are: leisure facilities such as trampoline parks, Ontario snow removal, Quebec plumbing contractors, agricultural machinery to the US, and host liquor liability for nightclubs and sports bars.
Additional Information & Appetite Guide
What Excess Covers:
- Commercial general liability – up to $100,000,000/occurrence or claims made based on the risk
- Medical Expenses
- Non-owned Auto
- Employers Liability
Target appetite
- Contractors liability
- Construction wrap-up
- Excavation contractors
- Electricians
- Blasting/shoring/underpinning/welding
- Carpentry
- Oil and gas
Products liability – wholesale and manufacturing including US exposure
Snow removal – appetite changes per province
Mechanical contractors
Roofing contractors
Life science/medical products
